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Disappointed with USAA
Posted by OhnoUSAA on 12/17/2010
SAN ANTONIO, TEXAS -- I had always heard good things about USAA but boy were we surprised when we actually had to deal with them personally. First, during this ordeal, they have never once made an attempt to contact us. We always have to call them. Talk to a different person each time. When I asked to speak to a supervisor, I was put on hold for 30 minutes and finally had to hang up as I was at work. I had to provide the police report, trying to speed up the process because they were unable to contact their insured "member". I have to pay at my expense to overnight paperwork to them. Always takes 2-3 days to process paperwork into their system, that's if they don't lose it and request that we send it again. Took three different attempts to get the tow truck driver here to tow away our totaled vehicle. I was lied to twice and told that the check was issued. Then, when WE call again to verify we are informed that their is yet another delay, another form, another reason why it still hasn't been issued. Last time they told us that they issued the check, I asked for a copy as proof, they sent me a copy of a blank check. No date, No dollar amount, no nothing. These stall tactics have been going on for 3 weeks now with no end in sight. In the meantime, I am without my vehicle and all I have to show for it is a car payment due for a car USAA now has in their possession but won't pay for. What a disgrace to the good name of our service men and women who they claim to serve!
     
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Insurance comoany's attitude
Posted by Eddie68 on 01/07/2007
MONTGOMERY, TEXAS -- I was in an accident that damaged the passenger side door. The gentleman admitted that it was his fault and gave me the name of his insurance co. The insurance company sent out an adjuster and she looked at the outside of the car and took pictures. She sent her company only that info and said that my car needed to be totaled and they want to pay the salvage price of what the adjuster said my car was worth. She did not see if the car ran OK in fact she did not even start it, but gave the lowest estimate that she could. My car has a dent in the door and on the front hood, but it runs good. Also the passenger side door does not open from the outside. I checked on line and my car is worth more than what they said. Also all I want is my car door fixed and they said that I have to do it their way and salvage my car or fix it myself. We have to have insurance and then they won't even do what we want. I am so frustrated, but don't know where to turn.
     
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Posted by tnchuck100 on 2007-01-07:
What year and model is your car? What did they offer you? How much do you think it will cost to fix the door? It sounds like something could be worked out but more information is needed to determine what is feasible and practical.
Posted by Eddie68 on 2007-01-08:
My car is a 2001 Kia Rio. The cost of getting it repaired should not be more than $800.00. I tried to debate this point with them, but they said it was their way or no way.
Posted by tnchuck100 on 2007-01-08:
You didn't say how much they offered you. My research indicates your vehicle should be worth considerably more than $800. There must be more to this. As long as you don't cash thier check (which IS thier release document) you have the option to take them to court.
Posted by Eddie68 on 2007-01-09:
They offered me $2000 and I have no intention of signing anything that states I have to salvage my car.
Thank you for your input
Posted by tnchuck100 on 2007-01-11:
That raises the question why would they want to pay $2000 to total it when they would save money by paying $800 to fix it? Something is not adding up here.
Posted by Eddie68 on 2007-01-11:
Exactly, I get so upset about this that I wish I could sue them for a million dollars just for ha ha's. I may have to cash that check so i could get my door fixed.
Posted by tnchuck100 on 2007-01-11:
Watch it! If that check is for totaling the car and you cash it, they then own the car! If you expect to keep the car DO NOT cash that check! Take them to court!
Posted by weif on 2011-07-16:
If it's USAA, they may even file with your state that the car has been totaled even if it hasn't and you have a written statement from USAA that it isn't. USAA is a very deceitful and dishonest organization and should not be allowed to provide insurance in this country.
Posted by jktshff1 on 2011-07-16:
What does your insurance agent say?
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Poor service originating a mortgage-missed closing date
Posted by Oakmaple on 11/24/2010
SAN ANGONIO, TEXAS -- We have had two experiences with USAA Mortgage and it is the most recent that is prompting this review.

Despite fulfilling every request USAA made of us in a timely fashion AND modifying our contract with our seller several times to conform to their requests (needless and redundant requests, accordingly to our real estate attorney), USAA caused us to miss two closing dates and we no longer have a contract. At one point they asked us why certain monies had not transferred--monies that only transfer at closing-a closing they caused us to miss! It is clear that they do not know what happens at closing.

They do not know what they are doing, take days to answer phone calls, and at least in the mortgage services branch of the bank, DO NOT value customer service.

Several years ago I financed a condo through them and was told by my real estate agent that the title agent found them hard to work with. I blew this observation off, because I was so impressed by the customer service in other areas of the company.

However, the nightmare experience we had the last month confirms to me that the phrase"time is of the essence" has no meaning to them and that they could benefit from a trained person to explain their documents to them.

I cannot comment on what percentage of loans they complete without difficulty and what percentage they do a few stupid things with and what percentage they totally flub. However, the fact that they seemed to view their errors as standard operating procedure did not inspire confidence in their quality control.

I suppose whether one chooses them as a mortgage company depends upon how much of a risk-taker one is. As for us, next time we will be a choosing a company where we have a higher certainty of closing on time after weeks of straightforward (as opposed to inexplicable) business dealings.
     
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Posted by Alain on 2010-11-25:
Thank you for the warning.
Posted by RestaurantGuy on 2010-11-25:
While I use USAA for almost everything when I initiated my mortgage I went with Wells Fargo. Something as big and important as a mortgage you should meet with someone face to face not over the phone orby mail/email. Now I did refinance with USAA and that went very smoothly but that may be due to already having a mortgage loan
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What's Really Going On?
Posted by Callen on 03/23/2009
CALIFORNIA -- I've ask myself on several occasions if some CSR with USAA have a personal grudge against me. Does a USSA CSR possibly know me and is purposely trying to make a life a living hell? I even gave USAA the benefit at one point, believing it's possible I could have make an online-mistake, but now I know better. USAA just did not want my business. After being a "loyal" customer for over 10 years, I’ve chosen to cancel both my auto and renters insurance with this company because of their lack of integrity. My complaint is not complicated. It's simple. USAA attempted to deduct a premium out of my account (auto-pay) on a date my premium was not even due. To top this off, the amount of the premium was incorrect. USAA did not apologize for this incident, only stating it was not fault due to USAA (indicating me) and that I requested an auto payment of this amount to be taken out. Ok.

So I was having trouble online one evening and immediately contacted a USAA CSR and told her I was having difficulties online. The USAA CSR assisted me, making me feel confident that the online problem I was having had been taken care of. One week later, USAA tried to deduct the funds from my account. Sure USAA did one thing right, they told me, as a “courtesy” they would remove their $15.00 fee for non-sufficient funds, but would not reimburse my bank fees. Ok. So I took the bank fee loss. After speaking to another USAA CSR I was assured a date and a premium amount would be deducted from my account a certain day (usually the same day monthly), low and behold, they did it to me again. Stating my premium was due, this time on another date. WTF (excuse my language). I immediately contacted USAA AGAIN and ask why? what? how? when? I let them know this time I had proof!

I had proof with the date and amount that was due to be taken out. I had covered myself this time…accordingly to USAA, NOT. What more did I need as proof?! I had printed the page from USAA’s website with my premiums due date and amount. After feeling confident about having my so-called proof, a USAA CSR prompted me to a another screen online with a new document. This document clearly stated a different due date from the one I had printed less than 3 weeks prior to USAA uploading this “new” document along with a new due date. I did not receive an email from USAA stating I had a new document online to view. However, USAA did do the right thing again, - they waived the $15.00 fee from their end, stating it’s a "courtesy" fee waiver --- again. How about my bank fee?! How about reimbursing me those fees!?

As far as I'm concerned, USAA didn't do me a "courtesy" by not charging me $15.00 on both occasions it clearly being fault of their own. I wish USAA would have showed some type of integrity --- they should have done what was right. I've chosen not to renew my auto insurance with USAA and cancelled my renters insurance as well. I'm staring to think maybe they'll be looking for a bailout by presenting statistics to Congress showing how this recession has caused them to lose customers/business. This was not the case with me. USAA simply did not want my business anymore. They’ll sure make it look good on paper since I was the one that cancelled. What did I have to do? Should I have continued to allow them to deduct premiums that weren’t due? I don’t think so. I know USAA just didn’t want little old me as a customer. USAA is a company who'd “cook their books” at anyone’s expense.
     
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Posted by weif on 2011-07-16:
Yeah, USAA is definitely lacking in integrity or honesty. This doesn't surprise me at all. I've been yanked around on multiple occasions by USAA agents and adjusters. From my many experiences with USAA I honestly believe that they must train their agents in how to be unethical and dishonest, and must fire any employee who shows even the least integrity or trustworthiness. It is a disgrace to our armed forces that a disreputable organization like USAA affiliates themselves with the military.
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Huge Disappointment
Posted by JessR on 10/22/2007
I am very angry at USAA. I have been a member since 2002. I have my car insurance, renter's insurance, savings and checking accounts with them. They had been great up until now. Just a couple of weeks ago my debit card was stolen and used for a shopping spree. Within a couple of hours all of my money was gone. I notified USAA as soon as I realized the card was gone. They seemed to be really nice about it and told me that I would have my money back in a week. I was glad to have them as my bank because of their good rep and zero fraud liability. Well, just a couple of days latter they decided that since my card was stolen they wouldn't consider it fraud and therefore I wouldn't be reimbursed. They also charged me fees for overdraft protection when the check I had written just a few days prior for my rent bounced. I haven't been able to pay my rent this month and am waiting to get evicted soon.

I trusted USAA with my life, possessions, and all of my money and now I'll be homeless. USAA is great until something goes wrong and they turn their backs on you.
     
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Posted by Anonymous on 2007-10-23:
First question is, how did the thief get the PIN for the debit card? If you didn't save guard it, most banks will hold you liable.

Second, have you spoken to your landlord and explained the situation? If you are usually on time paying your rent, perhaps he or she will cut you some slack. If you have a long term lease, it takes awhile for the eviction process to wind its way through the court system. You won't be on the street tomorrow. Month to month leases are a different situation.
Posted by Anonymous on 2007-10-23:
"I trusted USAA with my life, possessions, and all of my money" NEVER trust a bank or anybody else with your life they will take it every time.
Posted by Principissa on 2007-10-23:
We've had USAA for years and have had no problems with them. Most banks, including mine will not cover fraudulent transactions if the thieves get your pin number. Our bank's pins are computer generated so they only way someone can get it is if you give it to them.
Posted by *Brenda* on 2007-10-23:
I'm guessing the thief used the card as credit instead of debit.
Posted by jktshff1 on 2007-10-23:
Brenda, that's what I was thinking, but usually they ask for ID when you use it as a credit, unless they knew the clerk and they were in on it.
Posted by Anonymous on 2007-10-23:
ATM or Debit Card Loss or Fraudulent Transfers (EFTA). Your liability under federal law for unauthorized use of your ATM or debit card depends on how quickly you report the loss. If you report an ATM or debit card missing before it's used without your permission, the EFTA says the card issuer cannot hold you responsible for any unauthorized transfers. If unauthorized use occurs before you report it, your liability under federal law depends on how quickly you report the loss.

For example, if you report the loss within two business days after you realize your card is missing, you will not be responsible for more than $50 for unauthorized use. However, if you don't report the loss within two business days after you discover the loss, you could lose up to $500 because of an unauthorized transfer. You also risk unlimited loss if you fail to report an unauthorized transfer within 60 days after your bank statement containing unauthorized use is mailed to you. That means you could lose all the money in your bank account and the unused portion of your line of credit established for overdrafts. However, for unauthorized transfers involving only your debit card number (not the loss of the card), you are liable only for transfers that occur after 60 days following the mailing of your bank statement containing the unauthorized use and before you report the loss.

If unauthorized transfers show up on your bank statement, report them to the card issuer as quickly as possible. Once you've reported the loss of your ATM or debit card, you cannot be held liable for additional unauthorized transfers that occur after that time.
Posted by Anonymous on 2007-10-23:
^^^^ the above is from the FTC. It doesn't matter if somebody obtained your PIN or not or whether you were careless or not. Unauthorized use is defined simply as somebody not legally entitled using your card without your consent.

JessR -- Your maximum loss should be limited to $500 unless USAA is implying that you are attempting to commit fraud. Don't let this go... Keep after them and also you might want to take it to the FTC (www.ftc.gov).. Good luck!
Posted by Principissa on 2007-10-23:
Stew great information. Please disregard my first post, my coffee did not fully kick in.

Here is what I researched online, at least this is for my bank, pretty much what Stew said except for the following: When reporting an ATM/CheckCard being stolen, you must provide proof that you did not use the card. In other words a police report, or some other documentation stating that it was not you using the card. They also state that any theft of the card has to be reported within one business day of the theft and that all charges considered fraudulent after the reported theft will be refunded pending an investigation by the bank. They also have forms that you need to fill out to report the theft as well.

I am not sure how USAA handles it, but I'm guessing it may be similar. Did you fill out any forms for them? Did you report the theft to the police? Unfortunately most people will not take just your word that those aren't your transactions, in this day and age you have to prove that you didn't make them. I would call them again and see what steps you need to take. You may also want to change your account numbers if you haven't done so already.
Posted by Anonymous on 2007-10-23:
Good points principissa. Also this post brings up some excellent issues.

First of all by no way am I assigning blame to the OP for I always blame the thief for the theft and not the victim. I'm not a paranoid person. I'm the type who never locks their car doors or the front door for in my view a locked door merely keeps a marginally honest person honest. I am however diligent about keeping track of my checking/savings accounts. I've made it habit to check them daily due to current banking liability laws. Also due to the law I'm very careful about using my debit card. I only use a credit card for online purchases and auto-pay type things because of the law and the fact a fraudulent credit card creates debt to paid in the future while a debit visa/mc zaps your money instantly. I'd rather be waiting for disputed debt to be corrected than waiting for my money to be credited back into my checking account. It's a new world and we all gotta learn the ropes.. Good luck!
Posted by steve101 on 2007-10-23:
1. File a police report today.
2. Go to bank branch with police report and file an affidavit of fraud with the bank today.
3. If this doesn't work contact the Office of the Comptroller of the Currency which regulates this bank at www.occ.treas.gov
Posted by trumania on 2007-10-23:
I think we're missing some vital information here. USAA, my bank, would not deny a claim because, "The card is stolen and that is not fraud."

If you waited a long time to report it you can be held liable. If the card was used as DEBIT (meaning the thief had your PIN number) you can also be held liable because that is not supposed to be written down anywhere.

Chances that someone "guessed" the correct PIN is extremely unlikely, as 3-4 incorrect PIN entries eats the card at an ATM or flags the account through Fraud Prevention.

I'm willing to bet the OP had the PIN on the card which allowed for PIN transactions to be made which is not covered under USAA's Zero Liability Policy.

You have to make a reasonable effort to protect your card/accounts to be covered by that policy.
Posted by JessR on 2007-10-24:
My card was used as a credit card. I never keep the PIN on the card or in my purse. It also wouldn't be easy to guess. It was stolen on a thursday evening. I checked my account on Friday morning at 8:00 am and noticed a lot of transactions for video games, clothes, food, and a lot of other stuff. The theif went shopping all over the mall in just a couple of hours and spent everything. I watched the surviellance tapes at the mall and saw how no one bothered to check for ID. The person even spelt my name wrong when he signed the receipts. I reported everything to USAA while the transactions were still pending but they still let them go through. They are also refusing to give me my money back. They said I would have to press charges against him and if he can't pay he'll have to do community service. The person was never arrested even though the cops saw the video. Community service isn't going to pay my rent.
Posted by JessR on 2007-10-24:
I did contact the police, the bank and the credit monitoring services within 24 hours of the card being stolen and used. A new card has been issued. However, I am switching banks. Along with my car and renter's insurance. I am a paranoid person when it comes to safety and money. I did everything I could to safeguard the card, the pin, and reported the incident hours after. Not days, weeks or months. I even went to the stores and demanded to see receipts and the video tape. If I had money I would even get an attorney to press charges against the bank and the thief. I understand it was the theif who stole the card and used it, but USAA could have atleast stoppped payment on the purchases and not charged me for my check not clearing. When you sign a debit card you agree to the terms and conditions of the bank. USAA does state that they have zero fraud liability for unauthorized card use. They should hold up to that agreement. They do know that a police report was filed and have the case number along with the officer's name. They never gave me any paperwork to fill out.
Posted by trumania on 2007-10-31:
Unfortunately banks cannot stop payment on "Pending Debit Card transactions" Once those charges come through you can dispute them and the bank will do it's investigation.

Having worked for a bank I saw numerous people call and say the charge is "pending" stop it! Well we couldn't, we'd have to wait until it fully posted to the account before we could dispute it.

Try calling USAA back and talk to another representative. If that doesn't get you anywhere, ask to talk to a manager, if that doesn't get you anywhere ask to talk to a senior supervisor, also try asking to talk to the CEO, it sounds funny but you can actually get another 'specialized' call center team called something like the Executive Response Group, they may be able to help you.

If that doesn't work, tell them you will be filing a complaint with Mastercard, the BBB, and the Attorney General of your state.

USAA is unlike any other bank. They have a limited customer base and their major goal is to retain customers, talk to enough people (calmly) and you'll get something done.

If you live in San Antonio, Texas (USAA HQ) trying going into the branch and ask to talk to a manager. Are you/your spouse in the military, are the on the account as a co-owner? If so, have them call with you and them using their rank if it's high enough.
Posted by DanNC on 2008-11-09:
I had usaa for 51 years, I switched to geico when they sent me a form letter with false info on it - my car was damaged by another usaa member who had been dropped by usaa. When I first signed up with usaa they sold only to service officers - it has gone downhill since then in my opinion.
Posted by weif on 2009-08-02:
Remember, it is a violation of the credit card merchant agreement for a merchant to request an ID with a Visa or MasterCard, even if the card says "See ID."
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StarStarEmpty StarEmpty StarEmpty Star
Hold on Funds!!
Posted by Vilseckgerm on 11/19/2012
SAN ANTONIO, TEXAS -- USAA again put a partial 5 day hold on a $700 check I deposited in my son's account. The check was drawn form a bank in San Antonio and the check cleared the next day. This seems to me like stealing from their customers as they have fund at their disposal for 4 days. Multiply this by the thousands and you understand the reward the bank has from this. I have been a customer of USAA for over 30 years but according to them this has no bearing on their policies. Very disappointed with their treatment!!!
     
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Posted by CUontheFlipSide on 2012-11-19:
The law is very specific as to the reasons a check can be held. The account may be new, the account holder may have a bad record, and there may be reason to believe the check might not clear.

The amount of money they generate on $700 for 4 days is too small to be measured, The smount of money they lose every year by being forced to give availability for a check which still can be returned, is staggering.

Hopefully this is just because your son's account is new. The new account period passes prretty quickly. All this was disclosed to your son when he opened the account.
Posted by madconsumer on 2012-11-19:
often times, if there are not enough funds to cover the check deposited, the hold will be placed.
Posted by trmn8r on 2012-11-20:
I highly doubt USAA did this as part of a larger scheme to make money off a holding period. It is much more likely there is something about your son's account that resulted in the hold.

Did you ask them for an explanation? Come to think of it, it is your son's account. Maybe this is the reason.
Posted by olie on 2012-11-21:
I've personally deposited a "cash advance check" from a credit card company. My small, locally-owned bank immediately released an amount equal to the current balance of my account. The rest of the check was subject to a hold like you described.

Let's say the CC check was for $2500. I had $1000 already in my account. The bank would immediately make the first $1000 available--even as cash. The other $1500 would be available in a few busines days.

This is done to protect the account holder from fraudulent checks, as well as protect the bank.
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StarEmpty StarEmpty StarEmpty StarEmpty Star
Beware Money Goes Missing Without Reason
Posted by Autumnlmiller on 07/09/2012
SAN ANTONIO, TEXAS -- I have been with USAA since I was 17 and had signed up to be in the USAF. At first, before actually going to BMT, the bank was very good. I never had any problems until I hit check school. The first time money went missing from my account was in February 2011 for $100. I had just gotten paid that day, and transferred $100 from checkings to savings. That money mysteriously was withdrawn the next day. When I called the lady I talked to at first said it was a computer error, but after talking with her manager claimed that the money was never there, and went as far ar to call me a liar over the phone. She flat out refused to let me talk to her boss and ended the call by saying "Ma'am, the moneies is not there. You never had the moneies." And hung up.

The second time $40 went missing. USAA claimed it was for an overdraft payment. Since none of my accounts were in the negative, or never had they been, the money was returned after much argueing and deliberating. The third time, they took $50 out for a "bad check" on an account that no checks were ever deposited to. After looking through all the transaction history and seeing that there were no check deposits, he claimed my husband, who doesn't know the account number or even have a card for said account, took out a credit and he could not give me further information. When my husband called, they said the same thing, that a credit had been taken out, but that I had done it. When he gave the phone to me to talk to the rep, he said that he couldn't help us and hung up the phone. USAA used to be really great, but have seemed sketchy ever since 2011 for me personally.
     
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Posted by trmn8r on 2012-07-09:
There is something called "check school" in military training? I find that ironic in this setting.

As for what you report, I have never heard anything that even comes close to what y0u describe going on in your banking accounts. Bank accounts aren't typically handled in a "sketchy" manner. Do you have statements that reflect these anomalies?
Posted by Stratton on 2013-06-01:
Sounds like exactly what happened to me... $50 just disappeared... And they said it was never there!
Posted by JDnHuntsvilleAL on 2013-06-07:
I don't know if this is really pertinent, but I had a checking account with a Credit Union where I found out they were deducting $2 a month from my checking account BECAUSE I _WASN'T_ USING IT.
~
Just thought there may be a similar reason in your case.
Posted by Isaiah on 2014-02-08:
I have had similar experiences over the past few years with USAA. I am meticulous about saving receipts. Every month it seems that I have to readjust the amount. Just this morning, $50 is missing from my account. Yesterday the amount in the checkbook matched up perfectly with what was online.
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Went out of their way to be difficult
Posted by Sandi_bee168 on 01/01/2012
SAN ANTONIO, TEXAS -- My husband and I are both Active Duty, and have been USAA members for 14 years. We have bought several vehicles using USAA for our financing, bought our house, have a credit card, all of our insurance, etc. In the last 5 years or so we have noticed a severe decline in quality of service that we receive from USAA. The final straw was this week when we were "pre-approved" for a car loan up to 50K (yikes)at 4.25%. I had been thinking about trading in my vehicle for something a little smaller with better mileage. Needless to say, I did NOT need 50K, and was dumbfounded when we accepted the offer and were given terms that not only did not reflect our good credit rating but were completely ridiculous. The interest rate was 12.99%! My husband negotiated with them for over 2 hours and finally were given an offer of 4.99%. We figured that was a fairly decent rate, and off to the dealership we went. After spending a couple of hours negotiating trade in and purchase price, we were finalizing the paperwork. Mr. Finance Guy called USAA to verify the approval on the electronic loan check, and here's where it gets really good... Apparently, USAA never intended to do this car loan because the final approval amount on the electronic check was a full 5000.00 UNDER msrp for the vehicle! In simple terms, there was no way we were going to buy this car with USAA because they never intended to give us the amount we would need to finance it! There is a happy ending though. We applied for financing through Toyota, and were given not only an instant approval, BUT!!! Get this!!! We were given a final interest rate of 4.19%. Moral of the story: USAA has contracted out so many of their services and on any given day you can get a nice heaping helping of crappy attitude when you call to talk to a customer service representative. Needless to say, we have started shopping for new insurance, looking into a credit union for banking services, and are working to pay off the credit card we hold with USAA. We certainly won't be recommending them to anyone anymore either.
     
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Posted by Alain on 2012-01-03:
Drop a note to the FTC at http://www.ftc.gov/bcp/index.shtml about this. While it doesn't impact your event (you've taken care of that by going with another company), it will add to notifications about USAA that, should they become numerous, will attract attention (and possibly action) to their practices.
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Does Not Like To Pay Claims
Posted by USNAYNAY on 07/12/2010
SAN ANTONIO, TEXAS -- USAA makes a great talk but sometimes fails to make the walk.

I will not be renewed on my USAA Home/Fire Insurance.
I will not be renewed on my USAA Renters Insurance.
I will not be renewed on my USAA Auto Insurance.

Why?

I never filed a claim on my renters insurance.
I never filed an accident claim on my auto insurance.
I pay my credit cards.

What is the issue?

A criminal conviction for a family member from 7 years ago. USAA "claims" it has a policy to "weed out undesirables" when it "comes to their attention". Funny how that didn't seem to make a difference way back when they "discovered it" but only after they got my home insurance claims.

How much were all my claims? About $35,000 combined.
I filed a claim on my home for a broken window.
I also had my home broken into and a fire resulted from the break in.

I begged USAA to do something before the Alaskan winter set in. Nope. The fire happened in July 2008. Winter set in in Alaska and outside repairs were delayed so my home freezes up.
How did they run the above claims?
As FOUR(4) SEPERATE claims. I suspected they were stacking the deck by running these separately but I trusted them to take care of me.
Boy, did they take care of me!
My house was vacant from July last year until July this year. Just rented it out this month. (PCS'd to my current location July 2007).
USAA is paying for the damages slowly, but I have already paid most of the costs myself. I do not like owing people who work for me.
USAA obviously resents having to pay for ANY damages.
Granted, it is the USAA underwriting department making the call. Basically they told me to go pound sand.
I admit to looking at this from my point of view only. I am shocked at this happening after all the years I spent with USAA and all the good things I passed on to other service members about the how they were inexpensive and a fair company. Many of their employees are.
     
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Posted by Helpful on 2010-07-12:
This sure seems like a fair review.

Best of luck to you.
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USAA & GEICO tip of the hat
Posted by on 05/13/2006
I just saved 35% on my auto insurance by switching from Geico to USAA. Geico and I had a ten year relationship. I sent them checks and they sent me insurance verification cards and that was the extent of our relationship. There was modest premium increases along the way but that much sums up our relationship.

I have my home owners insurance with USAA and no problems. I had a fire five years ago and they provided excellent claim service, actually couldn’t be happier. I’m not sure why it never dawned on me to get a USAA quote for auto insurance but I’m usually a status quo sort, if it’s not broke don’t fix it.

I received the USAA quote and bought the policy totally online at the USAA website. The online experience was simple, logical and straightforward and took about fifteen minutes. I accepted the quote and funded the policy and within 12 hours all policy documents were available online as a PDF download.

I called Geico to cancel my policy. The representative was polite, helpful and courteous. He did his best to match the USAA quote but was unable and concluded the exchange with, “The door’s not closed and if it doesn’t work out with USAA we would love to have your business again”. Classy – “We can still be friends”

Overall this entire experience earns an ‘A+’ for both Geico and USAA.
     
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Posted by Anonymous on 2006-05-13:
Stew your grammar and sentence formation is atrocious. I suggest you look into a remedial English composition course at a local community college.
Posted by Anonymous on 2006-05-13:
Get over yourself Stew. Didn’t our founding fathers fight to free us from the tyranny of the English yet you expect me to be shackled by their rigid tongue. Wasn’t it Patrick Henry who said “The great object is that every man be armed” and he wasn’t talking about a dictionary my friend. In the words of the great urban philosopher Snoop Doggy Dogg – “Fo shizzle, I-ka-zizzle”. That’s all I have to say.
Posted by Anonymous on 2006-05-13:
I agree, the actuarial rate basis for Oklahoma is less then many of the more populated states but that wouldn’t explain the price difference between USAA and Geico. I guess I missed your point.
Posted by DebtorBasher on 2006-05-13:
It's ok Stew...I'm here now, you don't have to talk to yourself anymore...LOL
Posted by glc on 2006-05-14:
Hats off to GEICO. What a stand-up company. I believe that USAA is for military personnel and their families only.
Posted by tawanda on 2006-05-14:
Geico started out serving military personnel and dependents exclusively, too, but in the name of greed they fixed something that wasn't broken and their service and responsiveness just haven't been the same...
Posted by LookOutKid on 2006-06-17:
Good Post. I had a very similar experience. Geico treated me pretty well, so I would agree with giving them a positive review. But when I learned I qualified for USAA I grabbed it and haven't looked back. I take advantage of whatever financial/insurance services they provide that I might need and give them 4 stars in every category. My vote is if you qualify for USAA, definitely look into it. It has saved me money and, often as importantly, headaches.
Posted by doubleDdale on 2006-10-23:
I had my car stolen in L.A. in 2003. It was a bad experience to say the least since it was the first car I had stolen from me. USAA was my insurance provider at the time and still is, and they gave me very good treatment. I recieved my check for the car in a timely manner with minimal hassle. I highly reccomend USAA for any insurance or financial services.
Posted by JohnGawlt on 2007-07-12:
USAA has treated me very well indeed. Even to the point of getting rebates for years that they "made" money. Cannot beat them with a stick.
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